{"uin":"GODHLIP25038V012425","name":"Digit Donor Shield Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Digit Donor Shield Policy is an indemnity health policy that pays hospital costs in India for complications of a Surrogate Mother's surrogacy pregnancy and postpartum delivery, or of an Oocyte Donor's oocyte retrieval, with sum insured options from INR 2L to 1Cr. Room rent is limited to 1% and ICU to 2% of the sum insured per day, and pre-existing conditions, delivery expenses and newborn cover are excluded.","analysis":{"state":"extracted","analysed_at":"2026-10-16 06:29:31.105284+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plans. The policy is built from sections: Section 1 In Patient Hospitalization has two covers (A. Surrogacy Cover for the Surrogate Mother, B. Oocyte Donor), plus optional Sections 2 to 7.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"1 year for Oocyte Donor; 1, 2 or 3 years for Surrogacy Cover","display":"1 year (Oocyte Donor); 1, 2 or 3 years (Surrogacy Cover)","note":null,"quote":"The Policy Period for Oocyte Donor is 1 year and for Surrogate Cover the options are 1 Year, 2 Years and 3 Years.","sources":[{"clause":null,"heading":"What is the minimum and maximum policy period available under this policy?","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/43#c-what-is-the-minimum-and-maximum-policy-period-av"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Cashless: at least 72 hours before a planned hospitalisation, or within 24 hours of hospitalisation in an emergency. Reimbursement: within 48 hours of the date of admission.","display":"72 hours before planned admission or within 24 hours in an emergency (cashless); within 48 hours of admission (reimbursement)","note":"Delay can be condoned where the reason for delay is proved to the insurer's satisfaction.","quote":"We are given a notice at least 72 hours before any planned hospitalization or within 24 Hours of hospitalization in case of an emergency situation. ... We or Our Service Provider / Third Party Administrator (TPA) should be intimated within 48 hours of date of admission. ... condonation of delay can be done by waiver of conditions A.1, B.1 and B.2.a may be considered where the reason for delay is proved to our satisfaction","sources":[{"clause":"1","heading":null,"page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-1-4"},{"clause":"2(g)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-2-g"},{"clause":"2(c)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-2-c-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Duly Filled and Signed Claim form","Discharge Summary","Medical Records","Original Hospital Main Bill","Original Hospital Bill Break Up","Original payment receipt","Original Pharmacy Bills","Prescriptions for the Medicines purchased (except hospital supply) and investigations done outside the Hospital","Consultation Papers","Investigation Reports","Digital Images/CDs of the Investigation Procedures (if required)","MLC/FIR Report (If applicable)","Original Invoice/Sticker (If applicable)","Attending Physician Certificate (If applicable)","Ante-natal Record (If applicable)","Birth discharge Summary (If applicable)","Death Certificate (If applicable)","KYC (Photo ID card) (If applicable)","Address Proof","Bank Details with Cancelled Cheque","Any Additional Document on case to case basis"],"display":"Claim form, discharge summary, medical records, original bills and receipts, pharmacy bills, prescriptions, investigation reports, KYC and bank details","note":"KYC (address and ID proof) is required where the claim pay-out exceeds Rs. 1 Lakhs per claim.","quote":"Duly Filled and Signed Claim form ... Discharge Summary ... Medical Records ... Original Hospital Main Bill ... Original Hospital Bill Break Up ... Original payment receipt ... Original Pharmacy Bills ... Prescriptions for the Medicines purchased (except hospital supply) and investigations done outside the Hospital ... Consultation Papers ... Investigation Reports ... Digital Images/CDs of the Investigation Procedures (if required) ... MLC/FIR Report (If applicable) ... Original Invoice/Sticker (If applicable) ... Attending Physician Certificate (If applicable) ... Ante-natal Record (If applicable) ... Birth discharge Summary (If applicable) ... Death Certificate (If applicable) ... *KYC (Photo ID card) (If applicable) ... Address Proof ... Bank Details with Cancelled Cheque ... Any Additional Document on case to case basis ... KYC documents shall be required at the claim settlement stage, where claims pay-out to the Insured Member exceeds a threshold limit of Rs. 1 Lakhs per claim, address and ID proof is required","sources":[{"clause":"Row 1","heading":"Duly Filled and Signed Claim form","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-row-1"},{"clause":"Row 2","heading":"Discharge Summary","page":28,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-row-2"},{"clause":null,"heading":"Insufficient Document","page":29,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-insufficient-document"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"The insurer settles or rejects a claim within 15 days from submission of the claim.","display":"15 days from submission of claim","note":"If not settled in time, interest at bank rate plus 2 percent from intimation to payment. CIS: cashless pre-authorisation within 1 hour; cashless final bill authorisation within 3 hours of the discharge request.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from submission of claim. ... the claimant is entitled for interest at bank rate plus 2 percent from the date of receipt of intimation to till the date of payment ... TAT for preauthorization of cashless facility: Within 1 hour of receipt of request ... TAT for cashless final bill authorization: Within 3 hours of the receipt of discharge authorization request from the hospital","sources":[{"clause":"11(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-11-a"},{"clause":"11(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-11-b"},{"clause":null,"heading":"Claims Notification and Procedure","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/44#c-claims-notification-and-procedure"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Treatment of any illness within the first 30 days, except accidents (Excl03)","Admission primarily for diagnostics and evaluation (Excl04)","Cosmetic or plastic surgery (Excl08)","Alcoholism, drug or substance abuse (Excl12)","Medical treatment expenses traceable to childbirth (Excl18)","Treatment of any pre-existing conditions / disease of the Insured including its complications","Delivery expenses (Normal Delivery or caesarean section) of the Surrogate Mother","Coverage for Newborn baby through Surrogacy to the Surrogate Mother","Miscarriage (including miscarriage due to accident) except in case of life threatening medical condition to the Surrogate Mother","Surrogacy Treatment Procedure cost (Injection, tests, Ultra sound, Embryo transfer, Ovum pickup)","Surrogacy which is for commercial purposes","Costs associated with cryopreservation storage of sperm, eggs and embryos","Selective termination of an embryo","Surgery/ procedures that enhance fertility","Any Illness or Injury other than pregnancy and post-partum delivery complications (Surrogate Mother) or complications of Oocyte retrieval (Oocyte Donor)"],"display":"30-day initial waiting, pre-existing conditions, surrogate delivery costs, newborn, miscarriage, surrogacy procedure costs, commercial surrogacy, any illness other than the covered complications, and others","note":"Miscarriage is excluded except where life-threatening to the Surrogate Mother. Modern treatments are excluded unless optional Section 5 is opted. The 30-day initial waiting period can be reduced to an opted number of days.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... 30-day waiting period/ Initial Waiting Period (Code: Excl03) ... Treatment of any pre-existing conditions / disease of the Insured including its complications ... Delivery expenses (Normal Delivery or caesarean section) of the Surrogate Mother ... Coverage for Newborn baby through Surrogacy to the Surrogate Mother ... Miscarriage (including miscarriage due to accident) except in case of life threatening medical condition to the Surrogate Mother ... Surrogacy Treatment Procedure cost (Injection, tests, Ultra sound, Embryo transfer, Ovum pickup) ... Surrogacy which is for commercial purposes. ... Costs associated with cryopreservation storage of sperm, eggs and embryos. ... Selective termination of an embryo. ... Surgery/ procedures that enhance fertility like Tubal Occlusion, Bariatric Surgery, Diagnostic Laparoscopy with Ovarian Drilling and such other similar surgery/ procedures. ... Any Illness or Injury Other than complications arising out of pregnancy and post-partum delivery complications arising out of Oocyte retrieval for the Oocyte Donor. ... Investigation & Evaluation (Code: Excl04) ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization). ... Maternity (Code: Excl18) ... Cosmetic or Plastic Surgery (Code: Excl08) ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Substance Abuse and Alcohol (Code: Excl12)","sources":[{"clause":"D","heading":"EXCLUSIONS Standard Exclusions","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-d"},{"clause":"17","heading":"Digit Simplification","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-17-3"},{"clause":"18","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-18-2"},{"clause":"19","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-19-2"},{"clause":"20","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-20-2"},{"clause":"22","heading":"Fertility Enhancement Surgery","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-22-2"},{"clause":"23","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-23-2"},{"clause":"2","heading":"Investigation & Evaluation (Code: Excl04)","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-2-3"},{"clause":"15","heading":"Maternity (Code: Excl18)","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-15-3"},{"clause":"6","heading":"Cosmetic or Plastic Surgery (Code: Excl08)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-6-3"},{"clause":"10","heading":"Substance Abuse and Alcohol (Code: Excl12)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-10-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"First contact Go Digit through its website, toll free 1-800-258-4242, hello@godigit.com (seniors@godigit.com for senior citizens) or the grievance cell at any branch; if not satisfied, the grievance officer at grievance@godigit.com; then the Insurance Ombudsman.","display":"Go Digit (1-800-258-4242, hello@godigit.com, branch grievance cell), then grievance officer at grievance@godigit.com","note":"Complaints can also be registered on IRDAI's Bima Bharosa portal.","quote":"In case of any grievance the insured person may contact the company through Website: https://www.godigit.com Toll Free: 1-800-258- 4242 Email: hello@godigit.com Senior citizens can now contact us on 1-800-258-4242 or write to us at seniors@godigit.com Insured person may also approach the grievance cell at any of the company's branches with the details of grievance ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@godigit.com ... the insured person may also approach the office of Insurance Ombudsman of the respective area/region","sources":[{"clause":"16","heading":"Customer Grievance Redressal Policy","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-16-4"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"INR 2L, 3L, 4L, 5L, 10L, 15L, 20L, 25L, 50L or 1Cr.","display":"INR 2L, 3L, 4L, 5L, 10L, 15L, 20L, 25L, 50L, 1Cr","note":null,"quote":"The Sum Insured options under this Policy are INR 2L, 3L, 4L, 5L, 10L, 15L, 20L, 25L, 50L, 1Cr.","sources":[{"clause":null,"heading":"What are the Sum Insured options under this Policy?","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/43#c-what-are-the-sum-insured-options-under-this-poli"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Accidents are not subject to it. Can be reduced by choice to 0, 7 or 15 days (prospectus options). Does not apply with continuous coverage of more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... However, such waiting Period can be reduced to number of days as opted by you and mentioned in your policy schedule. ... Initial Waiting Period Option | 0 day, 7 days, 15 days, 30 days ... This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months.","sources":[{"clause":"D","heading":"EXCLUSIONS Standard Exclusions","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-d"},{"clause":null,"heading":"What are the waiting period under this Policy?","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/43#c-what-are-the-waiting-period-under-this-policy"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"Pre-existing conditions are permanently excluded: 'Treatment of any pre-existing conditions / disease of the Insured including its complications' (specific exclusion 17(iv)), so there is no waiting period after which they are covered.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"The documents give only the standard definition of a specific waiting period; no named illnesses or period are listed for this product.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":"No list of illnesses with a specific waiting period is printed.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured, the sixty months run from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on any grounds of non-disclosure and/or misrepresentation, except on grounds of established fraud. ... Wherever, the sum insured is enhanced, completion of sixty continuous months would be applicable from the date of enhancement of sums insured only on the enhanced limits.","sources":[{"clause":"6","heading":"Moratorium Period","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-6-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. The policyholder can port the policy to another insurer and transfer credits gained for sum insured, specific waiting periods, the pre-existing disease waiting period and the moratorium period.","display":"Yes, with credit for waiting periods","note":"Applies to indemnity based sections. Migration to another policy of the same insurer is also allowed with credits.","quote":"In case of Indemnity based Insurance sections: ... A Policyholder has the choice to port his/ her policies from one Insurer to another. ... The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease , Moratorium period etc from the Existing Insurer to the Acquiring Insurer in the previous policy","sources":[{"clause":"14","heading":"Portability","page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-14-4"},{"clause":"14(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-14-a"},{"clause":"14(d)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-14-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, no age limit for renewals, but the policy ends once a claim is settled","note":"Prospectus: the policy is terminated in case of claim settlement, while the wording says renewal shall not be denied because of claims made.","quote":"*there is no age limit for renewals, however policy will be terminated in case of claim settlement. ... The policy shall ordinarily be renewable provided the product is not withdrawn except on grounds of established fraud or non-disclosure or misrepresentation by the insured person. ... Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years.","sources":[{"clause":null,"heading":"What are the Minimum & Maximum Entry age?","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/43#c-what-are-the-minimum-maximum-entry-age"},{"clause":"13","heading":"Renewal","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-13-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. No loading applies on renewal based on individual claims experience, and renewal cannot be denied because of claims.","display":"No loading for claims","note":"The prospectus entry-age table says the policy will be terminated in case of claim settlement, which contradicts the wording's renewal clause.","quote":"Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years. ... No loading shall apply on renewals based on individual claims experience. ... *there is no age limit for renewals, however policy will be terminated in case of claim settlement.","sources":[{"clause":"13","heading":"Renewal","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-13-4"},{"clause":null,"heading":"What are the Minimum & Maximum Entry age?","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/43#c-what-are-the-minimum-maximum-entry-age"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Obesity/ Weight Control (Excl06)","Change of Gender Treatments (Excl07)","Cosmetic or Plastic Surgery (Excl08)","Hazardous or Adventure sports (Excl09)","Breach of law (Excl10)","Excluded Providers (Excl11)","Substance Abuse and Alcohol (Excl12)","Wellness and Rejuvenation (Excl13)","Dietary Supplements & Substances (Excl14)","Refractive Error (Excl15)","Unproven Treatments (Excl16)","Maternity (Excl18)","Items in the List of Non-Medical Items","Delivery expenses (Normal Delivery or caesarean section) of the Surrogate Mother","Coverage for Newborn baby through Surrogacy to the Surrogate Mother","Miscarriage, except in case of life threatening medical condition to the Surrogate Mother","Treatment of any pre-existing conditions / disease including its complications","Surrogacy Treatment Procedure cost (Injection, tests, Ultra sound, Embryo transfer, Ovum pickup)","Surrogacy which is for commercial purposes","Cryopreservation storage of sperm, eggs and embryos","Selective termination of an embryo","Services done at unrecognized center","Fertility Enhancement Surgery","Any Illness or Injury other than the covered pregnancy, post-partum delivery and Oocyte retrieval complications","Treatment by Non-Medical Practitioners or self-medication","External prosthesis, corrective devices and external durable medical equipment","Treatment relating to external Congenital Anomaly or birth defects","Mental Disabilities","Artificial life maintenance after vegetative state or brain death","War and war like occurrence","Self-destruction, self-inflicted Injury or suicide","Charges to procure documents","Personal comfort and convenience items","RMO charges, service charge, surcharge, night charges","Nuclear, chemical or biological attack or weapons","Treatment in a clinic, rest home, convalescent home, detoxification center, sanatorium, home for the aged or similar institutions","Unreasonable Expenses","Modern Treatment, unless Section 5 is opted"],"display":"Standard exclusions Excl04 to Excl16 and Excl18, plus pre-existing conditions, delivery costs, commercial surrogacy and others","note":"Excluded Providers: expenses up to stabilisation are payable in life-threatening situations or after an accident. Any other exclusion in the Policy Schedule also applies.","quote":"Investigation & Evaluation (Code: Excl04) ... Rest Cure, rehabilitation and respite care (Code: Excl05) ... Obesity/ Weight Control (Code: Excl06) ... Change of Gender Treatments (Code- Excl07) ... Cosmetic or Plastic Surgery (Code: Excl08) ... Hazardous or Adventure sports (Code: Excl09) ... Breach of law (Code: Excl10) ... Excluded Providers (Code: Excl11) ... Substance Abuse and Alcohol (Code: Excl12) ... Wellness and Rejuvenation (Code: Excl13) ... Dietary Supplements & Substances (Code: Excl14) ... Refractive Error (Code: Excl15) ... Unproven Treatments-Code (Code: Excl16) ... Maternity (Code: Excl18) ... Any item or condition or treatment specified in List of Non-Medical Items ... Delivery expenses (Normal Delivery or caesarean section) of the Surrogate Mother ... Coverage for Newborn baby through Surrogacy to the Surrogate Mother ... Miscarriage (including miscarriage due to accident) except in case of life threatening medical condition to the Surrogate Mother ... Treatment of any pre-existing conditions / disease of the Insured including its complications ... Surrogacy Treatment Procedure cost (Injection, tests, Ultra sound, Embryo transfer, Ovum pickup) ... Surrogacy which is for commercial purposes. ... Costs associated with cryopreservation storage of sperm, eggs and embryos. ... Selective termination of an embryo. ... Services done at unrecognized center. ... Fertility Enhancement Surgery ... Any Illness or Injury Other than complications arising out of pregnancy and post-partum delivery complications arising out of Oocyte retrieval for the Oocyte Donor. ... Treatment taken from anyone who is not a Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which she/he is licensed or any kind of self-medication. ... Any expenses incurred on external prosthesis, corrective devices, external durable medical equipment of any kind ... Screening, counselling or treatment of any external Congenital Anomaly, Illness or defects or anomalies or treatment relating to external birth defects. ... Mental Disabilities ... Expenses incurred for Artificial life maintenance, including life support machine use, post confirmation of vegetative state or brain dead ... War (whether declared or not) and war like occurrence ... Act of self-destruction or self-inflicted Injury, attempted suicide or suicide while sane or insane ... Any charges incurred to procure documents related to treatment or Illness ... Personal comfort and convenience items or services ... Expenses related to any kind of RMO charges, Service charge, Surcharge, night charges levied by the hospital ... Nuclear, chemical or biological attack or weapons ... Any treatment taken in a clinic, rest home, convalescent home detoxification center, sanatorium, home for the aged, remodelling clinic or similar institutions. ... Expenses which are not Reasonable and customary and treatments which are not Medically Necessary. ... Unreasonable Expenses ... Expenses related to Modern Treatment. In case Section 5: Modern Treatment is opted, this exclusion shall stand modified to the extent coverage is provided under Section 5: Modern Treatment.","sources":[{"clause":"2","heading":"Investigation & Evaluation (Code: Excl04)","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-2-3"},{"clause":"3","heading":"Rest Cure, rehabilitation and respite care (Code: Excl05)","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-3-3"},{"clause":"4","heading":"Obesity/ Weight Control (Code: Excl06)","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-4-3"},{"clause":"5","heading":"Change of Gender Treatments (Code- Excl07)","page":18,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-5-3"},{"clause":"6","heading":"Cosmetic or Plastic Surgery (Code: Excl08)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-6-3"},{"clause":"7","heading":"Hazardous or Adventure sports (Code: Excl09)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-7-3"},{"clause":"8","heading":"Breach of law (Code: Excl10)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-8-3"},{"clause":"9","heading":"Excluded Providers (Code: Excl11)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-9-3"},{"clause":"10","heading":"Substance Abuse and Alcohol (Code: Excl12)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-10-3"},{"clause":"11","heading":"Wellness and Rejuvenation (Code: Excl13)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-11-3"},{"clause":"12","heading":"Dietary Supplements & Substances (Code: Excl14)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-12-3"},{"clause":"13","heading":"Refractive Error (Code: Excl15)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-13-3"},{"clause":"14","heading":"Unproven Treatments-Code (Code: Excl16)","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-14-3"},{"clause":"15","heading":"Maternity (Code: Excl18)","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-15-3"},{"clause":"16","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-16-3"},{"clause":"17","heading":"Digit Simplification","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-17-3"},{"clause":"18","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-18-2"},{"clause":"19","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-19-2"},{"clause":"20","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-20-2"},{"clause":"21","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-21-2"},{"clause":"22","heading":"Fertility Enhancement Surgery","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-22-2"},{"clause":"23","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-23-2"},{"clause":"24","heading":"Non-Medical Practitioners","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-24-2"},{"clause":"25","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-25-2"},{"clause":"26","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-26-2"},{"clause":"27","heading":"Mental Disabilities","page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-27-2"},{"clause":"28","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-28-2"},{"clause":"29","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-29-2"},{"clause":"30","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-30-2"},{"clause":"31","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-31-2"},{"clause":"32","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-32-2"},{"clause":"33","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-33-2"},{"clause":"34","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-34-2"},{"clause":"35","heading":null,"page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-35-2"},{"clause":"36","heading":"Unreasonable Expenses","page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-36-2"},{"clause":"37","heading":"Modern Treatment","page":22,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-37-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"With 7 days written notice, a proportionate premium for the unexpired period is refunded if the policy term is up to one year and no claim was made. For terms over 1 year, premium for policy years whose risk has not commenced is refunded.","display":"Proportionate premium for the unexpired period, if no claim was made","note":null,"quote":"You may cancel your policy at any time during the term, by giving 7 days notice to us in writing. ... Refund proportionate premium for unexpired policy period, if the term of policy is upto one year and there is no claim (s) made during the policy period. ... Refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced.","sources":[{"clause":"7","heading":"Cancellation","page":24,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-7-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India only: hospitalisation in India is covered, and reimbursement is from any hospital within India.","display":"India only","note":null,"quote":"incurred in respect of Insured Person (Surrogate Mother) hospitalization in India ... incurred in respect of Insured Person (Oocyte Donor) hospitalisation in India ... Reimbursement Facility can be availed from any hospital within India of Your Choice","sources":[{"clause":null,"heading":"A. Surrogacy Cover","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-surrogacy-cover"},{"clause":null,"heading":"B. Oocyte Donor","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-b-oocyte-donor"},{"clause":"2(g)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-2-g"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New individual policies only, not renewals or porting/migration. CIS says: 'within 30 days from the beginning of the policy'.","quote":"The insured person shall be allowed free look period of thirty (30) days from date of receipt of the policy document ... within 30 days from the beginning of the policy","sources":[{"clause":"8","heading":"Free Look Period","page":24,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-8-4"},{"clause":"12","heading":"THINGS TO REMEMBER","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/44#c-12"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":"For instalment premiums: fifteen days for monthly mode, thirty days for other modes.","quote":"can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"13","heading":"Renewal","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-13-4"},{"clause":"4","heading":"Special Conditions Applicable for Policies issued with premium Payment on Instalment basis","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-4-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"Surrogate Mother and Oocyte Donor: 18 to 50 years. Proposer: minimum 21 years, no maximum.","display":"18 to 50 years (Surrogacy and Oocyte Donor); proposer 21 years and above","note":null,"quote":"Surrogacy | 18 years | 50 years ... Oocyte Donor | 18 years | 50 years ... Proposer | 21 years | No Limit","sources":[{"clause":null,"heading":"What are the Minimum & Maximum Entry age?","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/43#c-what-are-the-minimum-maximum-entry-age"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Half Yearly","Quarterly","Monthly"],"display":"Half-yearly, quarterly or monthly instalments","note":"These are the instalment options; the documents do not name a yearly or single-premium mode.","quote":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly","sources":[{"clause":"4","heading":"Special Conditions Applicable for Policies issued with premium Payment on Instalment basis","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-4-4"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Cardiac Ambulance","OPD Consultation with Gynaecologist","Day Care Treatment","Modern Treatment","Room Rent Modification","Wellness Benefit Program"],"display":"Cardiac Ambulance, OPD Consultation with Gynaecologist, Day Care Treatment, Modern Treatment, Room Rent Modification, Wellness Benefit Program","note":"Each section applies only if opted and shown in the Policy Schedule. A one-time lump sum percentage can be chosen instead of pre/post hospitalisation expenses.","quote":"Section 2 CARDIAC AMBULANCE ... If You have opted for this Cover, We will pay for the expenses incurred on road transportation of the Insured Person by a Cardiac Ambulance ... Section 3 OPD CONSULTATION WITH GYNAECOLOGIST ... Section 4 DAY CARE TREATMENT ... Section 5 MODERN TREATMENT ... Section 6 ROOM RENT MODIFICATION ... Section 7 WELLNESS BENEFIT PROGRAM ... Instead, You may also choose to opt for a onetime lumpsum benefit, which shall be a percentage of the claim amount approved under Section 1A. Surrogacy Cover towards Pre/Post Hospitalization Expenses","sources":[{"clause":"Section 2","heading":"CARDIAC AMBULANCE","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-2"},{"clause":"Section 3","heading":"OPD CONSULTATION WITH GYNAECOLOGIST","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-3"},{"clause":"Section 4","heading":"DAY CARE TREATMENT","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-4"},{"clause":"Section 5","heading":"MODERN TREATMENT","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-5"},{"clause":"Section 6","heading":"ROOM RENT MODIFICATION","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-6"},{"clause":"Section 7","heading":"WELLNESS BENEFIT PROGRAM","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-7"},{"clause":"A.1(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-1-b"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"No for renewal: coverage is not available during the renewal grace period. For instalment premiums, cover continues from the due date until the premium is received.","display":"Not covered in the renewal grace period; covered for instalment premiums","note":null,"quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the grace period. ... During such Grace Period, Coverage will be available from the instalment premium payment due date till the date of receipt of premium by company.","sources":[{"clause":"13","heading":"Renewal","page":25,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-13-4"},{"clause":"4","heading":"Special Conditions Applicable for Policies issued with premium Payment on Instalment basis","page":23,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-4-4"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"cross-checked","value":"Up to 1% of the sum insured per day for a ward, shared or private room.","display":"1% of sum insured per day","note":"Same limit for Surrogacy Cover and Oocyte Donor. With the optional Room Rent Modification (Section 6), the limit can be up to a Single Private AC room as shown in the schedule.","quote":"Hospital accommodation in a ward, shared or private room, subject to per day limit of 1% of the Sum Insured. ... If You have opted for this Cover, then the Room rent limit mentioned under Section 1. In Patient Hospitalization will stand modified which can be upto Single Private AC room as mentioned in your Policy schedule.","sources":[{"clause":null,"heading":"A. Surrogacy Cover","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-surrogacy-cover"},{"clause":"Section 6","heading":"ROOM RENT MODIFICATION","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-6"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"cross-checked","value":"Ward, shared or private room within the 1% per day limit; up to a Single Private AC room with the optional Room Rent Modification.","display":"Ward, shared or private room within 1% of sum insured; Single Private AC room with Room Rent Modification","note":null,"quote":"Hospital accommodation in a ward, shared or private room, subject to per day limit of 1% of the Sum Insured. ... the Room rent limit mentioned under Section 1. In Patient Hospitalization will stand modified which can be upto Single Private AC room as mentioned in your Policy schedule.","sources":[{"clause":null,"heading":"A. Surrogacy Cover","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-surrogacy-cover"},{"clause":"Section 6","heading":"ROOM RENT MODIFICATION","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-6"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"Up to 2% of the sum insured per day.","display":"2% of sum insured per day","note":"Same for Surrogacy Cover and Oocyte Donor.","quote":"Intensive Care Unit, subject to a per day limit of 2% of the Sum Insured.","sources":[{"clause":null,"heading":"A. Surrogacy Cover","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-surrogacy-cover"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"cross-checked","value":"Yes. If the room rent exceeds the limit, the insurer's liability is reduced in the same proportion, except for medicines and consumables, unless the condition is waived in the Policy Schedule.","display":"Yes, except medicines and consumables","note":null,"quote":"If the Room Rent Rate exceeds the limits at the time of Hospitalization, our liability will be restricted to the same proportion as the Admissible Rate Per Day Limit Opted bears to the Actual Rate Per Day of Room Rent Charges, except for the cost of medicines and consumables, unless this condition is specifically waived off by Us and mentioned in Your Policy Schedule.","sources":[{"clause":null,"heading":"A. Surrogacy Cover","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-surrogacy-cover"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":"No co-payment is stated. The CIS says 'Sub - Limit, Co-payment and Deductible as applicable to the policy is as mentioned below' but the value is left blank (<<>>).","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":"No deductible is stated. The CIS financial limits row is left blank (<<>>).","quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":"No disease or procedure sub-limits are printed; the CIS sub-limit row is left blank (<<>>). Optional Modern Treatment is covered up to 100% of the Section 1 sum insured.","quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30, 60, 90 or 180 days, as opted","note":"Day options from the CIS; the wording says the number of days is as opted and shown in the schedule. Instead, a one-time lump sum percentage of the approved claim can be opted.","quote":"Pre / Post Hospitalization Expenses: <<30/60/90 or 180>> days before/after hospitalization, as per opted ... We will pay for consultations, investigations and the cost of medicines incurred for a period not exceeding the number of days as opted by You and mentioned in Your Policy Schedule against this Cover, immediately prior to Insured Person’s admission in a hospital (pre-hospitalisation expenses)","sources":[{"clause":"A.1","heading":"Pre / Post Hospitalization Expenses","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/44#c-a-1"},{"clause":"A.1","heading":"Pre / Post Hospitalization Expenses","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-1"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30, 60, 90 or 180 days, as opted","note":"Day options from the CIS; the wording says the number of days is as opted and shown in the schedule. Instead, a one-time lump sum percentage of the approved claim can be opted.","quote":"Pre / Post Hospitalization Expenses: <<30/60/90 or 180>> days before/after hospitalization, as per opted ... or immediately after discharge of the Insured Person from a hospital (post-hospitalisation expenses)","sources":[{"clause":"A.1","heading":"Pre / Post Hospitalization Expenses","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/44#c-a-1"},{"clause":"A.1","heading":"Pre / Post Hospitalization Expenses","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-1"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"conflicting","value":"Covered only under the optional Day Care Treatment section, for complications of pregnancy during surrogacy and post-partum delivery (Surrogate Mother) or of oocyte retrieval (Oocyte Donor), up to the sum insured.","display":"Only with the optional Day Care Treatment section, for surrogacy or oocyte retrieval complications","note":"CIS says: 'Covers treatments that don't require an overnight stay, like dialysis or shoulder dislocation'. The wording limits the optional section to surrogacy and oocyte retrieval complications. OPD treatment and diagnostic services are not paid under this section.","quote":"If You have opted for this Cover, we will indemnify the reasonable and customary charges, upto the Sum Insured mentioned in the Policy Schedule, for Medical Expenses incurred on the Insured Person’s Day Care Treatment as prescribed by a medical practitioner in respect to: ... Complications arising out of pregnancy during Surrogacy and post-partum delivery complications for the Surrogate Mother or ... Complications arising due to oocyte retrieval with respect to the Oocyte Donor. ... Covers treatments that don't require an overnight stay, like dialysis or shoulder dislocation","sources":[{"clause":"Section 4","heading":"DAY CARE TREATMENT","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-4"},{"clause":"B.3","heading":"Alternate Treatment (Ayush) Benefit","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/44#c-b-3"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":"Domiciliary or home treatment is not mentioned. Home care services under the optional Wellness Benefit Program are facilitated only, at the insured's cost.","quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"In-patient treatment under Ayurveda, Unani, Siddha or Homeopathy for the covered complications is paid up to the sum insured, in an AYUSH Hospital with NABH or NQAS certification. Outpatient and preventive or rejuvenation treatments are not paid.","display":"Covered in-patient up to the sum insured at certified AYUSH hospitals","note":"Same benefit for the Oocyte Donor for complications of oocyte retrieval (B.3). Yoga and Naturopathy are not named in this benefit.","quote":"We will pay the Medical Expenses for In-patient Treatment for complication arising during Surrogacy pregnancy & Postpartum delivery complications for the Surrogate Mother, taken under Ayurveda, Unani, Siddha or Homeopathy. This is up to the Sum Insured mentioned in Your Policy Schedule against Section 1. A. Surrogacy Cover. This is paid provided that treatment has been undergone in an AYUSH Hospital. ... Outpatient Medical Expenses. ... All Preventive and Rejuvenation Treatments (non-curative in nature) ... Claim will be payable under this section only if AYUSH Hospitals and AYUSH Day Care Centres have obtained pre-entry level certificate (or higher level of certificate) issued by National Accreditation Board for Hospitals and Healthcare Providers (NABH) or State Level Certificate (or higher level of certificate) under National Quality Assurance Standards (NQAS)","sources":[{"clause":"A.3","heading":"Alternate Treatment (Ayush) Benefit","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-3"},{"clause":"A.3(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-3-a"},{"clause":"A.3(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-3-b"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"cross-checked","value":"Only under optional Section 5: listed modern treatments (e.g. robotic surgeries, oral chemotherapy, immunotherapy, stem cell therapy) up to 100% of the Section 1 sum insured, and only if related to surrogacy complication or oocyte retrieval. Otherwise excluded.","display":"Only with optional Section 5, up to 100% of sum insured, for surrogacy or oocyte retrieval related procedures","note":null,"quote":"If You have opted for this cover, our maximum liability in respect of the following procedures or modern treatments will be up to 100% of the sum insured as opted under Section 1 In Patient Hospitalization of the policy. Kindly note that these modern treatments will be covered only if procedure is related to Surrogacy Complication or Oocyte retrieval: ... Oral chemotherapy ... Immunotherapy- Monoclonal Antibody to be given as injection ... Robotic surgeries ... Stem cell therapy ... Expenses related to Modern Treatment. In case Section 5: Modern Treatment is opted, this exclusion shall stand modified to the extent coverage is provided under Section 5: Modern Treatment.","sources":[{"clause":"Section 5","heading":"MODERN TREATMENT","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-5"},{"clause":"37","heading":"Modern Treatment","page":22,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-37-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":"Not mentioned. 'Donor' in this product means an Oocyte Donor; there is no organ transplant cover, and any illness other than the covered surrogacy and oocyte retrieval complications is excluded.","quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance to a hospital after an emergency, and transfer to another hospital if needed, when a hospitalisation claim is accepted; maximum per hospitalisation as shown in the Policy Schedule.","display":"Road ambulance in emergencies, up to the limit in the Policy Schedule per hospitalisation","note":"The rupee limit is only 'as mentioned in Your Policy Schedule'. Planned hospitalisations are not covered. Optional Section 2 covers a Cardiac Ambulance after cardiac arrest, subject to the Section 1 sum insured. Same road ambulance cover for the Oocyte Donor (B.2). No air ambulance is mentioned.","quote":"We will pay for the expenses incurred on Insured Person’s Road transportation by a healthcare or an ambulance service provider to a hospital for the treatment following an emergency, provided that: ... We have accepted a claim under Section 1. A. Surrogacy Cover. ... The maximum liability per Hospitalization is restricted to the amount as mentioned in Your Policy Schedule against this Cover. ... The Coverage also Includes cost of road Transportation of the Insured Person from a Hospital to another nearest Hospital","sources":[{"clause":"A.2","heading":"Road Ambulance","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-2"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-stated","value":null,"display":null,"note":"No restoration or recharge of the sum insured is mentioned.","quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":"No no-claim or cumulative bonus is offered in the benefits; 'No Claim Bonus' appears only in the standard renewal, portability and migration credit clauses.","quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"cross-checked","value":"Not paid as a rule: items in the List of Non-Medical Items (Annexure A) are excluded, such as syringes, needles, examination gloves and masks; some items like sterilized gloves are payable.","display":"Not covered; items in the List of Non-Medical Items are excluded","note":"Medicines and consumables are spared from the room rent proportionate deduction. The exclusion refers to 'Annexure 1' while the wording's list is Annexure A.","quote":"Any item or condition or treatment specified in List of Non-Medical Items (Annexure 1 to Policy Terms and Conditions) ... Band Aids, Bandages, Sterile Injections, Needles, Syringes ... Examination Gloves ... GLOVES (Sterilized Gloves Payable / Unsterilized Gloves not payable) ... MASK (Not Payable)","sources":[{"clause":"16","heading":null,"page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-16-3"},{"clause":null,"heading":"List V – Additional Non-Payable Items","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-list-v-additional-non-payable-items"},{"clause":"Row 3","heading":"BEAUTY SERVICES (Not Payable)","page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-row-3"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"No. Childbirth costs, including delivery expenses of the Surrogate Mother, are excluded. Only complications during surrogacy pregnancy and postpartum delivery complications of the Surrogate Mother are covered.","display":"Childbirth not covered; only surrogacy pregnancy and postpartum complications","note":"Miscarriage is excluded except where life-threatening to the Surrogate Mother.","quote":"Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization). ... Delivery expenses (Normal Delivery or caesarean section) of the Surrogate Mother ... for complication arising during Surrogacy pregnancy & Postpartum delivery complications for the Surrogate Mother","sources":[{"clause":"15","heading":"Maternity (Code: Excl18)","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-15-3"},{"clause":"17","heading":"Digit Simplification","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-17-3"},{"clause":null,"heading":"A. Surrogacy Cover","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-a-surrogacy-cover"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"No. Coverage for a newborn baby through surrogacy is excluded.","display":"Not covered","note":null,"quote":"Coverage for Newborn baby through Surrogacy to the Surrogate Mother","sources":[{"clause":"17","heading":"Digit Simplification","page":20,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-17-3"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":"Not mentioned as a cover. The policy excludes any illness other than the covered surrogacy and oocyte retrieval complications, and excludes mental disabilities (mental retardation, subnormal intelligence).","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":"No free preventive health check-up. The optional Wellness Benefit Program only facilitates lab services at the insured's cost; the insurer bears the cost of pre-policy medical check-ups only.","quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"cross-checked","value":"Only under optional Section 3: allopathic out-patient consultations with a gynaecologist, up to the sum insured or consultation limits shown in the Policy Schedule, during the policy year.","display":"Only gynaecologist consultations with optional Section 3, up to the limit in the schedule","note":"Outpatient expenses are excluded under AYUSH, and Day Care Treatment does not pay OPD treatment. OPD services in the Wellness Benefit Program are facilitated at the insured's cost.","quote":"If You have opted for this Cover, We will indemnify the Insured Person for availing allopathic Out-patient consultation with Gynaecologist up to the sum insured / consultation limits as opted by and mentioned in Your Policy Schedule, during the Policy Year.","sources":[{"clause":"Section 3","heading":"OPD CONSULTATION WITH GYNAECOLOGIST","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-section-3"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":"Nothing about zone or city-based premium or co-pay is stated.","quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"cross-checked","value":"Yes, at network hospitals only, through the Service Provider / TPA, with direct payment to the hospital after pre-authorisation.","display":"Yes, at network hospitals only","note":"Treatment must take place within 15 days of pre-authorisation approval or before policy expiry, whichever is earlier.","quote":"Cashless Facility can be availed from our network hospitals only. This is facilitated by our Service Provider / Third Party Administrator (TPA) and we would make a direct payment to the Network Hospital to the extent of Our Liability","sources":[{"clause":null,"heading":"22. Claims Notification and Procedure","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-22-claims-notification-and-procedure"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"cross-checked","value":"A Service Provider / Third Party Administrator (TPA) processes cashless and reimbursement claims for the insurer.","display":"Service Provider / TPA","note":null,"quote":"This is facilitated by our Service Provider / Third Party Administrator (TPA) ... submit the documents to Service Provider / Third Party Administrator (TPA) for processing the reimbursement of the claim amount","sources":[{"clause":null,"heading":"22. Claims Notification and Procedure","page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-22-claims-notification-and-procedure"},{"clause":"2(g)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-2-g"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":true,"display":"Yes","note":"Individual or floater sum insured.","quote":"Sum Insured means the amount as per plan opted by You and stated in the Policy Schedule for each insured person for Individual Sum Insured Policy and aggregately for all insured members for a Floater Policy. ... Individual Sum Insured / Floater Sum Insured","sources":[{"clause":"II","heading":"SPECIFIC DEFINITIONS","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42#c-ii"},{"clause":"4","heading":"SUM INSURED BASIS","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/44#c-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wording - Digit Donor Shield Policy - GODHLIP25038V012425","pages":35,"fetched_at":"2026-10-16 06:29:30.899236+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/policy-wording-digit-donor-shield-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/42"},{"kind":"prospectus","label":"Prospectus - Digit Donor Shield Policy - GODHLIP25038V012425","pages":17,"fetched_at":"2026-10-16 06:29:30.899236+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/prospectus-digit-donor-shield-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/43"},{"kind":"cis","label":"CIS - Digit Donor Shield Policy - GODHLIP25038V012425","pages":4,"fetched_at":"2026-10-16 06:29:30.899236+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-digit-donor-shield-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425/document/44"}],"versions":[],"where_to_buy":[],"claims_and_complaints":[],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Digit Donor Shield Policy (UIN GODHLIP25038V012425), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-donor-shield-policy-godhlip25038v012425"}